Frequently Asked Questions
Answers to common questions about working with an independent insurance agent and shopping for auto insurance.
Are you an insurance company?
No. Low Cost Insurance is an independent insurance agent/agency that helps customers explore auto insurance options from multiple insurance carriers.
Do you work with multiple insurance companies?
We help customers explore available options from participating insurance carriers. Availability depends on state, eligibility, underwriting requirements, and other factors.
Can you guarantee the lowest price?
No. Insurance pricing varies by carrier and individual circumstances. We help you explore available options so you can compare them.
Can I get a quote online?
Yes. You can submit the online quote request form, or call (888) 374-0221 for assistance.
Do you offer insurance in every state?
Availability varies by state and licensing requirements. Contact us to determine whether assistance is available in your state.
Is Low Cost Insurance affiliated with Allstate, Direct Auto, or National General?
Low Cost Insurance is an independent insurance agent and is not affiliated with or endorsed by any individual carrier unless specifically stated otherwise.
Can my rate change?
Insurance premiums are determined by the carrier and may depend on factors including location, driving history, vehicle, coverage selections, claims history, and other rating factors.
Does it cost anything to request a quote?
No. There is no charge to request a quote or talk with us about your options. You only pay a premium if you choose to buy a policy, and the carrier sets that premium.
What information should I have ready?
It helps to have your driver's license, the vehicle identification number (VIN) or year, make, and model of each car, your current policy's declarations page if you have one, and the names and birth dates of all drivers in your household.
How will you contact me after I submit the form?
An agent will review your request and reach out using the contact method you prefer: phone, text, or email. You can opt out of calls or texts at any time.
Will requesting a quote affect my credit?
Requesting information from us does not by itself affect your credit score. Some insurance carriers use credit-based insurance information where state law allows. Your agent can explain how a specific carrier's process works before you apply.
Can I switch insurance companies before my policy renews?
In most cases you can change carriers at any time, though your current insurer may have cancellation terms or fees. We recommend starting your new policy before cancelling the old one so you don't have a gap in coverage.
Ready to see your auto insurance options?
Request a free quote online in about two minutes, or call and talk to an agent.